A Pioneer in Corporate Wellness Continues to Create New Jobs

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "A Pioneer in Corporate Wellness Continues to Create New Jobs"

Transcription

1 Bank of America Merrill Lynch White Paper A Pioneer in Corporate Wellness Continues to Create New Jobs Executive summary, 2012 Inc. Hire Power Award winner, helps corporate clients benefit from healthier, more productive employees, generating hundreds of new jobs in the process. And Bank of America Merrill Lynch provides Plus One just what it needs on the financial side. Contents Establishing, and building on, core strengths Finding support for growth... 3 Hiring to a higher standard... 4

2 A PIONEER IN CORPORATE WELLNESS CONTINUES TO CREATE NEW JOBS 2 has been helping people reap the benefits of physical fitness and a healthier lifestyle for more than 25 years. Starting with a single Plus One Fitness Clinic, which opened in New York s SoHo neighborhood in 1986, the company has evolved into a leading provider of comprehensive wellness solutions for corporations, hotels and other organizations. Its business model is built on applying an integrated approach to individual and employee wellness, and its menu of service offerings ranges from the design, development and management of onsite fitness centers to the creation and execution of results-focused employee wellness programs. Plus One s client list includes some of the best known names on the Fortune 500 list including Bank of America Corporation along with world leaders in the media, biotechnology, energy and pharmaceutical industries. As Plus One has grown and expanded its reach, it has been a prolific generator of new jobs, now employing more than 1,700 professionals nationwide. What s more, Plus One Health Management has continued to function as an impressive engine of job creation, even in the current turbulent economy. The company added 355 new jobs during the past three years, landing it on the Inc. Hire Power list of the top 100 businesses that are creating jobs and rebuilding the economy. Along the way, Plus One has benefitted from leveraging new technology, being quick to spot emerging trends and a strong relationship with Bank of America Merrill Lynch. View of Plus One s first training studio in Soho, August Establishing, and building on, core strengths Mike Motta, Plus One s founder and executive chairman, credits the company s success to a handful of factors, starting with the fact that it has a good handle on its core services of physical activity and nutrition. These two things continue to be the foundation for people getting and staying healthy, he says. That, coupled with having good business minds in our organization to grow our business, both geographically and from a products and services perspective, has been the key. We re good at our knitting, and we ve been able to figure out the right add-ons that best align with our strengths and weaknesses, especially wellness products and services. Mike Motta, founder and executive chairman, Plus One has expanded its core of wellness specialists from 10 to 50 during the past 10 years by offering new services to clients who want to keep their employees healthy, and that s been accomplished both through technology and boots on the ground. The keys to that success have been the high quality and service levels Plus One maintains in all its dealings. That makes it possible for us to gain our clients trust, so they are open to new services when we offer them, Motta says.

3 A PIONEER IN CORPORATE WELLNESS CONTINUES TO CREATE NEW JOBS 3 Plus One instructor teaching a yoga class The company s expansion in the corporate wellness arena has benefitted in some respects from the challenging economy of the past few years, which has prompted many companies to focus on cutting expenses and increasing productivity. Corporate wellness and fitness programs can help with both objectives. Healthcare costs are a huge and growing expense for many businesses, and helping employees live healthier lives contributes to keeping those costs in check and boosting worker productivity. A recent global survey of health promotion and workplace wellness strategies identified improving worker productivity and reducing presenteeism (workers choosing to come to work sick) as top objectives of corporate wellness programs. As health promotion takes its place as a primary consideration among drivers of profitability and performance, the number of organizations recognizing their role in managing employee health has been growing, from 75% in 2010 to 87% in Regardless of the state of the economy, these interventions are important, says Chris Ciatto, Plus One s CEO. Maybe 20 years ago it was more of an amenity or a perk to have these services, but now it s a necessity. The motivations may have changed, but the demand has remained consistent, and Plus One s ability to deliver on these promises and continually innovate has earned us additional business. Last year we added about 20 new clients maybe five were brand new and 15 were conversions from our competitors so we re growing in both regards, and that s allowed us to add jobs. (L to R): Chris Ciatto, CEO, and Mike Motta, founder and executive chairman, Chris Ciatto, CEO, Finding support for growth Another aspect of Plus One s job-creating growth has been its program of expansion through strategic acquisition, and Bank of America Merrill Lynch has played an important role in the completion of its two most recent deals. In June of 2009, as the deepest U.S. recession since the Great Depression was drawing to a close, Plus One assumed management of TimeOut Services Inc. s existing corporate contracts for workplace fitness and wellness services in California s Bay area. Early in 2011, Plus One

4 A PIONEER IN CORPORATE WELLNESS CONTINUES TO CREATE NEW JOBS 4 Lisa Fierstein, CFO, Plus One instructor teaching a trending group fitness class acquired Fitness Works at Work, a provider of customized corporate health solutions in New England. It used a line of credit with Bank of America Merrill Lynch to help fund both acquisitions. Through Ted Lyons, Bank of America Merrill Lynch has been a great supporter, says Lisa Fierstein, CFO at Plus One. I think they recognize the growth we have achieved over the years, and they are always responsive to our needs, always reaching out to make us happy. That relationship played a critical role in the TimeOut Services and Fitness Works at Work acquisitions. The company had to get prior approval from the bank to use its line of credit to help finance the deals, and Bank of America Merrill Lynch was behind it 100 percent of the way. Since the acquisitions primarily involved Plus One assuming existing corporate contracts from its targets, there was little in the way of hard assets available for collateral. Bank of America Merrill Lynch was thoughtful and creative during these acquisitions, Ciatto says. They evaluated the intellectual capital and existing client relationships in place, and made this capital available on a cash-flow lending basis. Hiring to a higher standard Some of the credit for Plus One s continued success in creating jobs also goes to its approach to recruiting and hiring, along with its commitment to promoting from within, thus assuring a meaningful career path for motivated employees and opening up additional spots for new employees behind them. Dave Milani, vice president of human resources, is the first to admit it s no small task. We hire people to go change the behavior of other people, and that s a very difficult thing to do, Milani says. So our challenge is really finding people to deliver the high standards

5 A PIONEER IN CORPORATE WELLNESS CONTINUES TO CREATE NEW JOBS 5 Dave Milani, VP of human resources, Plus One facility with woman exercising we ve put in place and who have the right qualifications and experience, but who also have the soft skills required to be successful at that behavior changing. Plus One uses behavioral interviewing to assess candidates ability to do that, and it focuses on bringing people into its system at a more junior level. That allows us to help shape how they go about becoming Plus One team members, how they go about learning to change people s behavior, how they go about doing their job and the service level they bring to it every day, he says. To keep those employees moving forward, Plus One provides them with a lot of different frameworks including tools, funding and incentives that they can use to further develop both their technical skills and their behavior-changing skills. That approach has helped Plus One maintain a lower turnover rate than its competitors in an industry where high turnover is endemic. Bank of America Merrill Lynch helps Plus One in its efforts to boost employee satisfaction by coming up with targeted financial products, such as a payroll solution it developed last year for Plus One employees who cannot receive direct deposit of paychecks because they don t have bank accounts. The card-based solution is convenient for employees, and the elimination of paper checks is saving money for Plus One, Fierstein reports. Plus One stresses quality, service and opportunity in its relationships with both clients and employees, and Motta and Ciatto credit that approach for much of the company s continued success as a job creator, even in difficult economic times. The company attracts people who are passionate about being in the exciting field of keeping people healthy and who also want to grow personally, professionally and financially. Growth is essential to our business plan. If we don t grow, we re in trouble, Motta says. Bank of America Merrill Lynch helps Plus One achieve its goals, not just through the services and solutions the bank provides, but by understanding Plus One s vision and sharing the same commitment to excellence, he adds.

6 A PIONEER IN CORPORATE WELLNESS CONTINUES TO CREATE NEW JOBS 6 Plus One executive team (L to R): Matt Sylvestre, CIO; Dave Milani, VP of human resources; Chris Ciatto, CEO; Veronica Hyatt, VP of program innovation and engagement; Jennifer Sargent, SVP of business development; Lisa Fierstein, CFO; John Holding, SVP of operations Payroll is just one example of how Bank of America Merrill Lynch creates solutions and provides products and services that help us succeed, Fierstein says. They are our main treasury bank, so we have all our accounts with them. They are attuned to our working capital needs; we have a line of credit with them; and we know they will work with us when we have an acquisition on the horizon. The people we work with at Bank of America Merrill Lynch understand our commitment to growth, and they are always trying to think of ways to help us continue on our trajectory. Bank of America Merrill Lynch is very proactive and very responsive to our needs. We really couldn t ask for better support. 1 Working Well: A Global Survey of Health Promotion and Workplace Wellness Strategies, Buck Consultants, a Xerox Company, February This article is for informational purposes only. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice. Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ( Investment Banking Affiliates ), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Bank of America Corporation E

Works. Works Quick Reference Guide. Creating and Managing Expense Reports

Works. Works Quick Reference Guide. Creating and Managing Expense Reports Quick Reference Guide Creating and Managing Expense Reports Table of Contents About this Guide...3 Creating Expense Reports...4 Signing Off on Expense Reports...6 Deleting Expense Reports...7 Adding Transactions

More information

Streamlining Revenue Cycle Processes

Streamlining Revenue Cycle Processes Bank of America Merrill Lynch Case Study Streamlining Revenue Cycle Processes September 2014 Innovative patient and commercial receivables for Executive summary At (MDRH), a team of 40 orthopedic specialists

More information

Strategic Approaches to Managing Accounts Receivable and Accounts Payable

Strategic Approaches to Managing Accounts Receivable and Accounts Payable Bank of America Merrill Lynch White Paper Strategic Approaches to Managing Accounts Receivable and Accounts Payable Executive summary Strategic management of accounts receivable and accounts payable especially

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

How to Choose the Best Bank for Your Medical Practice

How to Choose the Best Bank for Your Medical Practice Bank of America Merrill Lynch White Paper How to Choose the Best Bank for Your Medical Practice Executive summary A bank is much more than a place to deposit cash and process checks. Banks can offer a

More information

Works. Works Quick Reference Guide. Creating and Managing Reports

Works. Works Quick Reference Guide. Creating and Managing Reports Works Quick Reference Guide Creating and Managing Reports Table of Contents Creating Reports...4 Modifying and/or Rerunning Report Templates... 12 Adding Report Output Types... 13 Changing Completed Report

More information

Migrating to Electronic Consumer Payments in Higher Education

Migrating to Electronic Consumer Payments in Higher Education Bank of America Merrill Lynch White Paper Migrating to Electronic Consumer Payments in Higher Education October 2015 Why colleges and universities are turning to alias-based payments, prepaid cards and

More information

The Opportunities of B2B Card Payments: Growth and challenges on a global scale

The Opportunities of B2B Card Payments: Growth and challenges on a global scale The Opportunities of B2B Card Payments: Growth and challenges on a global scale Jennifer Petty Global Card Product Executive Global purchasing card usage is increasing 37% of global companies have established

More information

Merrill Edge Bank of America Corporation 3 Trends Changing Our World

Merrill Edge Bank of America Corporation 3 Trends Changing Our World Merrill Edge Bank of America Corporation 3 Trends Changing Our World Chris topher Hyzy, CIO, U.S. Trust Bank of America Private Wealth Management (Recorded on August 14, 2013) Hello I'm Chris Hyzy with

More information

Strategic Approaches to Managing Accounts Receivable and Accounts Payable

Strategic Approaches to Managing Accounts Receivable and Accounts Payable MARCH 2012 Strategic Approaches to Managing Accounts Receivable and Accounts Payable Table of Contents EXECUTIVE SUMMARY Improving Cash Flow with Effective AR and AP Management...2 Strategic AR Management...2

More information

Opportunities From Financial Efficiencies

Opportunities From Financial Efficiencies 2013 The Fourth in a series of four Executive Insight Reports from Bank of America Merrill Lynch produced in collaboration with HealthLeaders Media Opportunities From Financial Efficiencies Perspective:

More information

Blakeway & Associates. Wealth Management

Blakeway & Associates. Wealth Management Blakeway & Associates Wealth Management We are committed to Addressing Many Aspects of Your Financial Life. Blakeway & Associates offers clients and their families big picture thinking in a consultative

More information

Customized lending to complement your overall financial strategy

Customized lending to complement your overall financial strategy Customized lending to complement your overall financial strategy Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered

More information

Cash Flow Management in a Basel III World

Cash Flow Management in a Basel III World SEPTEMBER 2012 Cash Flow Management in a Basel III World Table of Contents Cash Flow Management..2 Achieving Cash Efficiency..2 Forecasting is Critical...3 Balancing Security, Liquidity and Yield...4 Time

More information

Moving From Paper to Electronic

Moving From Paper to Electronic Bank of America Merrill Lynch White Paper Moving From Paper to Electronic May 2014 Why governments need to get serious about electronic payment solutions. Executive summary With the impact of the recession

More information

The PPACA 2014 Deadline Will Spur Electronic Payments

The PPACA 2014 Deadline Will Spur Electronic Payments SEPTEMBER 2012 The PPACA 2014 Deadline Will Spur Electronic Payments Table of Contents EXECUTIVE SUMMARY Electronic Payments Remain Limited...2 The PPACA Changes Everything...2 New Operating Rules...3

More information

Trends in Supply Chain Finance

Trends in Supply Chain Finance Trends in Supply Chain Finance Buckeye Financial Forum John Loy April 2015 Agenda History of Supply Chain Finance The underlying economics why it works Current trends Industry Geography Structures Future

More information

HIPAA Compliance: Efficient Tools to Follow the Rules

HIPAA Compliance: Efficient Tools to Follow the Rules Bank of America Merrill Lynch White Paper HIPAA Compliance: Efficient Tools to Follow the Rules Executive summary Contents The stakes have never been higher for compliance with the Health Insurance Portability

More information

Mapping Financial Planning to Exit Strategies

Mapping Financial Planning to Exit Strategies Bank of America Merrill Lynch White Paper Mapping Financial Planning to Exit Strategies As your business changes, your exit strategy should change with it. And planning should start now. Executive summary

More information

Working Capital Metrics: What Gets Measured Gets Managed

Working Capital Metrics: What Gets Measured Gets Managed Working Capital Metrics: What Gets Measured Gets Managed Janine Durbin Director; Working Capital Advisor Phone: 312.992.5185 E-Mail: janine.m.durbin@baml.com Understanding Working Capital Working Capital

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

TIME TO BUY. Small businesses that have ridden out the economic storm may. be well positioned to take advantage of a buyer s market for

TIME TO BUY. Small businesses that have ridden out the economic storm may. be well positioned to take advantage of a buyer s market for October 2011 TIME TO BUY Your business is growing and you re tired of renting space. Here are the financing options you can consider for purchasing commercial property. Table of Contents Benefits of Ownership...2

More information

Bank of America Merrill Lynch Workplace Benefits Report

Bank of America Merrill Lynch Workplace Benefits Report Bank of America Merrill Lynch Workplace Benefits Report June 14, 2011 For [audience] use only. Distribution to any other audience is prohibited. (8 pt Arial) Bank of America Merrill Lynch Workplace Benefits

More information

EXPERT: Rich Sloan, co-founder and CEO, StartupNation.com; Darrin. VIDEO DESCRIPTION: See how Wells Fargo s OptRight Payroll Solutions can

EXPERT: Rich Sloan, co-founder and CEO, StartupNation.com; Darrin. VIDEO DESCRIPTION: See how Wells Fargo s OptRight Payroll Solutions can WELLS FARGO BUSINESS INSIGHT SERIES VIDEO TITLE: Welcome to OptRight Payroll Solutions MODERATOR: N/A EXPERT: Rich Sloan, co-founder and CEO, StartupNation.com; Darrin Northagen, Sales Manager, Wells Fargo

More information

Treasury Models: Proactive Planning and Execution

Treasury Models: Proactive Planning and Execution : Proactive Planning and Execution Across Asia Pacific, corporations are proactively examining treasury structures to support current and future growth plans. As a result, treasury enhancement projects

More information

Global Corporate and Institutional Advisory Services (GCIAS)

Global Corporate and Institutional Advisory Services (GCIAS) Global Corporate and Institutional Advisory Services (GCIAS) GCIAS 3455 Peachtree Road NE, Suite 1000 Atlanta, GA 30326 Toll-free: 888.763.2327 Merrill Lynch Wealth Management makes available products

More information

73% of human resources professionals

73% of human resources professionals RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Stretching your benefits dollar May 2014 Taming expenses while maintaining program quality Faced with escalating health care costs, the increasing

More information

Part I Cash flow management

Part I Cash flow management Bank of America Merrill Lynch White Paper Part I Cash flow management May 2013 Setting your business up for success Executive summary Cash flow is a term broadly used to define any movement past or projected

More information

The Brave New World of Health Care

The Brave New World of Health Care RETIREMENT & BENEFIT PLAN SERVICES Workplace INSIGHTS TM The Brave New World of Health Care Helping employees transition to full ownership and a long-range view of their financial wellness Executive Summary

More information

Ferguson & Associates

Ferguson & Associates Ferguson & Associates Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA

More information

Flexible financing that s ready when you need it

Flexible financing that s ready when you need it Flexible financing that s ready when you need it Life s better when we re connected Inside 3 You gain flexibility, convenience and control 5 Get the cash you need faster and more easily 7 Buy or invest

More information

Your 401(k) Quick tips

Your 401(k) Quick tips Your 401(k) Quick tips The 401(k) plan offers you an easy way to prepare for retirement, and provides great benefits that help you boost your savings, including: Company matching contribution of up to

More information

The Business of Healthy Employees: A Survey of Workplace Health Priorities

The Business of Healthy Employees: A Survey of Workplace Health Priorities The Business of Healthy Employees: A Survey of Workplace Health Priorities 2013 1 Introduction A healthy workforce plays a role in maintaining a healthy business. As demonstrated by the organization response

More information

Winning Leadership in Turbulent Times Developing Emotionally Intelligent Leaders

Winning Leadership in Turbulent Times Developing Emotionally Intelligent Leaders Working Resources is a Leadership Consulting, Training and Executive Coaching Firm Helping Companies Assess, Select, Coach and Retain Emotionally Intelligent Leaders; Emotional Intelligence-Based Interviewing

More information

Human Resource Management Systems for Your Business. Vital Business Solutions

Human Resource Management Systems for Your Business. Vital Business Solutions Human Resource Management Systems for Your Business Vital Business Solutions About Vital Business Solutions A team of professionals with a minimum of 7 years industry experience per team member Established

More information

Southern California AFP Luncheon

Southern California AFP Luncheon Working Capital Unharness your Cash Flow Southern California AFP Luncheon Michael Diekmann Director, Bank of America Merrill Lynch October 10, 2014 Understanding Working Capital Working Capital... = Current

More information

Plan Wellness Scorecard For the period ending June 30, 2015

Plan Wellness Scorecard For the period ending June 30, 2015 RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Plan Wellness Scorecard For the period ending June 30, 2015 More than ever, employees are looking to their employers for help managing their financial

More information

RECRUITMENT INTERNATIONAL. July 2014

RECRUITMENT INTERNATIONAL. July 2014 Ri RECRUITMENT INTERNATIONAL July 2014 Serocor: Reaching out to outstanding recruiters We first met with the newly formed Serocor in April last year to learn about its beginnings as a specialist Recruitment

More information

CashPro Online. CashPro Online and Mobile Quick Reference Guide. Technical Requirements

CashPro Online. CashPro Online and Mobile Quick Reference Guide. Technical Requirements CashPro Online and Mobile Quick Reference Guide Technical Requirements Table of Contents About this Guide...3 CashPro Online Hardware and Software Requirement...4 Supplemental Technical Service Requirements...6

More information

5THAT HELPS YOU ATTRACT (& RETAIN) TOP TALENT

5THAT HELPS YOU ATTRACT (& RETAIN) TOP TALENT GETTING CREATIVE: Steps To Building An Employee Benefits Plan 5THAT HELPS YOU ATTRACT (& RETAIN) TOP TALENT AUTHORS: PETER CHESNER & WILLIAM STEVENS IMAGINE IF YOU COULD CREATE AN ENVIRONMENT WHERE EMPLOYEES

More information

FOUNDATION ADVISORY SERVICES

FOUNDATION ADVISORY SERVICES FOUNDATION ADVISORY SERVICES Pursuing your philanthropic vision for your private foundation Philanthropic Solutions COMPREHENSIVE ADVICE AND SOLUTIONS FROM U.S. TRUST Philanthropic planning Foundation

More information

North America Account Opening Guide

North America Account Opening Guide Global Treasury SERVICEs North America Account Opening Guide Taking your opportunity further. That s return on relationship. Table of Contents Introduction... 2 The regulatory environment... 3 Account

More information

Seven Things Employees Want Most From Their Training

Seven Things Employees Want Most From Their Training RESEARCH REPORT Seven Things Employees Want Most From Their Training Executive Summary In 2013 we set out to discover what 1,001 office workers really think about training. Commissioning Opinion Matters,

More information

Wellness leadership: culture + strategy = results!

Wellness leadership: culture + strategy = results! Wellness leadership: culture + strategy = results! Bryce Williams, Vice President, Well-Being Blue Shield of California costs health blueshieldca.com Wellness leadership 2 Employers are the ultimate purchasers

More information

human resources from a different perspective aligning your HR issue to provide the optimum solution

human resources from a different perspective aligning your HR issue to provide the optimum solution human resources from a different perspective aligning your HR issue to provide the optimum solution align specialise in end to end personalised Human Resource solutions from recruitment, executive placement

More information

Workplace Benefits Report

Workplace Benefits Report RETIREMENT & BENEFIT PLAN SERVICES WORKPLACE INSIGHTS TM Workplace Benefits Report Employers changing role in helping employees achieve financial wellness December, 2013 Leading-edge employers are charting

More information

Recruiting Physicians: How to Attract and Keep the Best Candidates

Recruiting Physicians: How to Attract and Keep the Best Candidates Bank of America Merrill Lynch White Paper Recruiting Physicians: How to Attract and Keep the Best Candidates Executive summary A growing body of research indicates that the United States will experience

More information

Virtual HR. Trends and insights on how organizations are now recruiting, on-boarding and training employees.virtually.

Virtual HR. Trends and insights on how organizations are now recruiting, on-boarding and training employees.virtually. Business Report Virtual HR Trends and insights on how organizations are now recruiting, on-boarding and training employees.virtually By: Eric Vidal www.intercall.com September 2011 Virtual Human Resources

More information

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected Wealth Structuring and Estate Planning Your vision and your legacy Life s better when we re connected Inside 1 Helping you shape the future 2 The elements of wealth structuring 4 The power and flexibility

More information

THE EMPLOYER OF CHOICE. The Strategic Way to Attract, Engage and Retain Talent in Your Community

THE EMPLOYER OF CHOICE. The Strategic Way to Attract, Engage and Retain Talent in Your Community THE EMPLOYER OF CHOICE The Strategic Way to Attract, Engage and Retain Talent in Your Community OUR APPROACH OUR APPROACH Phases of Research: Phase 1: Secondary research Phase 2: Survey CEOs and HR Leaders

More information

Latin America Account Opening Guide. Taking your opportunity further. That s return on relationship.

Latin America Account Opening Guide. Taking your opportunity further. That s return on relationship. Global TREASURY Services Latin America Account Opening Guide Taking your opportunity further. That s return on relationship. Table of Contents Introduction...2 The regulatory environment...3 Account opening

More information

A Guide to Asset-Based Lending

A Guide to Asset-Based Lending Bank of America Merrill Lynch Article June 2014 A Guide to Asset-Based Lending Businesses with increased liquidity and working capital needs may find an asset-based loan (ABL) to be an attractive alternative

More information

Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs. Webcast Transcript

Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs. Webcast Transcript Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs Featuring: Webcast Transcript Recorded on December 9, 2013 Michael Santoli, Senior Columnist, Yahoo! Finance Ben

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet February 2015 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park

More information

5/11/2015. Seven Benchmarks of a Successful Worksite Wellness Program. Benchmark #1 Capturing Senior Level Support

5/11/2015. Seven Benchmarks of a Successful Worksite Wellness Program. Benchmark #1 Capturing Senior Level Support Healthcare costs are an issue of significant concern. Much of the illness in the U.S. is directly preventable. With over 60% of Americans in the workforce, it is an is an ideal setting to address health

More information

THE BUSINESS OF HEALTHY EMPLOYEES: A Survey of Workforce Health Priorities (2012)

THE BUSINESS OF HEALTHY EMPLOYEES: A Survey of Workforce Health Priorities (2012) THE BUSINESS OF HEALTHY EMPLOYEES: A Survey of Workforce Health Priorities (2012) Introduction A healthy workforce is a critical component of a healthy business. How organizations get there is the subject

More information

To find out more, please contact your Capita consultant or visit www.capita.co.uk/employeebenefits

To find out more, please contact your Capita consultant or visit www.capita.co.uk/employeebenefits assure Delivering DC health excellence benefits excellence self- sustaining Good broking alone is not enough to deliver lasting value. There is substantial evidence to confirm that employees value highly

More information

401(k) Wellness Scorecard For quarter ending December 31, 2013

401(k) Wellness Scorecard For quarter ending December 31, 2013 RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights 401(k) Wellness Scorecard For quarter ending December 31, 2013 We at Bank of America Merrill Lynch are working with employers to create the next generation

More information

Merrill Lynch Affluent Insights Quarterly

Merrill Lynch Affluent Insights Quarterly Merrill Lynch Affluent Insights Quarterly Market-by-Market Comparison Merrill Lynch Affluent Insights Quarterly is a Merrill Lynch Wealth Management survey focused on the values, financial priorities and

More information

Navigating company stock regulations with 10b5-1 executive trading plans

Navigating company stock regulations with 10b5-1 executive trading plans RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Navigating company stock regulations with 10b5-1 executive trading plans Best practices for helping your key executives create well-structured trading

More information

growing a successful practice

growing a successful practice growing a successful practice Prime Practice is a world leader in dental practice management, helping dentists grow healthy businesses for over 20 years. share our journey We ve grown too. More clients

More information

Building a Technology Infrastructure for Growth

Building a Technology Infrastructure for Growth APRIL 2012 BANK OF AMERICA MERRILL LYNCH article Building a Technology Infrastructure for Growth Making technology scalable and flexible is critical for an expanding business. Table of Contents Identifying

More information

Affluent Insights Survey

Affluent Insights Survey Merrill Lynch Global Wealth Management E X A M I N I N I N G T H E V A L U E S, F I N A N C I A L P R I O R I T I E S A N D C O N C E R N S O F A F F L U E N T A M E R I C A N S ABOUT THE AFFLUENT INSIGHTS

More information

Wellness at Work: Proving the Value of Health

Wellness at Work: Proving the Value of Health Wellness at Work: Proving the Value of Health Introduction Wellness at Work: Proving the Value of Health is the by-product of a live Web event presented by WageWorks and Summit Health. It is intended to

More information

How to Culturally Embed Total Rewards into the DNA of Your Organization

How to Culturally Embed Total Rewards into the DNA of Your Organization How to Culturally Embed Total Rewards into the DNA of Your Organization Lisa Silcox Senior Communication Consultant Eckler Ltd. Companies spend millions every year providing benefits that employees don

More information

2015 CFO Outlook Asia: Spotlight on China

2015 CFO Outlook Asia: Spotlight on China 2015 CFO Outlook Asia: Spotlight on China The big picture: Confident in a more challenging environment CFOs in China are optimistic about their firms prospects, despite China s government announcing a

More information

When Treasury Meets Trade Trade finance as a key working capital optimization tool.

When Treasury Meets Trade Trade finance as a key working capital optimization tool. FEBRUARY 2012 When Treasury Meets Trade Trade finance as a key working capital optimization tool. Chris Bozek, Managing Director, Head of Global Trade and Supply Chain Products, Bank of America Merrill

More information

Frequently Asked Questions About Asset-Based Lending

Frequently Asked Questions About Asset-Based Lending Bank of America Merrill Lynch White Paper Frequently Asked Questions About Asset-Based Lending January 2014 Executive summary Contents Asset-based lending offers a powerful financing solution for midsized

More information

Government Entities: A New Approach to Deposits

Government Entities: A New Approach to Deposits September 2012 WHITE PAPER Government Entities: A New Approach to Deposits Table of Contents Government Entities Under Pressure...2 Historically Low Returns..2 Maximizing the Value of Public Deposits...3

More information

Nicholas Cosentino, CFP CEO of Financial Foundations Creating Value and Building Confidence with Clients. Vol. 5, No. 2 SUMMER/FALL 2013

Nicholas Cosentino, CFP CEO of Financial Foundations Creating Value and Building Confidence with Clients. Vol. 5, No. 2 SUMMER/FALL 2013 Vol. 5, No. 2 SUMMER/FALL 2013 A Publication of Pacific Life, Retirement Solutions Division Nicholas Cosentino, CFP CEO of Financial Foundations Creating Value and Building Confidence with Clients 10/13

More information

Advanced Wealth Transfer Strategies

Advanced Wealth Transfer Strategies Family Limited Partnerships (FLPS) Advanced Wealth Transfer Strategies The American Taxpayer Relief Act of 2012 established a permanent gift and estate tax exemption of $5 million, which is adjusted annually

More information

Bank Account Management

Bank Account Management Asia Pacific Treasury Management Barometer 2013 Paving the way for BAM As global corporations increasingly expand into Asia to tap into future growth opportunities, attitudes towards the role of treasury

More information

accelerate success your increase your earnings and simplify your business

accelerate success your increase your earnings and simplify your business success increase earnings and simplify business Our Involvement and Accreditation in the Travel Industry The travel industry s premier host agency Nexion was named on Travel Weekly s Power List and is

More information

How to manage your portfolio and emotions during volatile markets. Video Transcript. Recorded on March 6, 2015

How to manage your portfolio and emotions during volatile markets. Video Transcript. Recorded on March 6, 2015 How to manage your portfolio and emotions during volatile markets Video Transcript Recorded on March 6, 2015 Featuring: Michael Santoli, senior columnist, Yahoo! Finance Matthew Diczok, managing director,

More information

Strategic Planning Developing an Effective Customer Service Strategy for Agencies

Strategic Planning Developing an Effective Customer Service Strategy for Agencies Strategic Planning Developing an Effective Customer Service Strategy for Agencies Have a plan to serve your customers How does your agency manage customer service? Do you have a plan, and follow it? If

More information

Can you give me an overview of how you have seen the economic development profession evolve over the course of your career?

Can you give me an overview of how you have seen the economic development profession evolve over the course of your career? Mr. Mark Waterhouse, CEcD, FM, HLM IEDC Interview Conducted with Nancy Moorman AEDC Chairman, 1994-1995 Preliminary Written Reponses Can you give me an overview of how you have seen the economic development

More information

Table of Contents. From the Managing Director Using the 2015 Robert Half Salary Guide The hiring landscape across Asia

Table of Contents. From the Managing Director Using the 2015 Robert Half Salary Guide The hiring landscape across Asia Salary Guide Table of Contents 3 4 5 6 9 9 11 15 17 20 20 22 25 27 30 30 33 38 39 41 41 From the Managing Director Using the Robert Half Salary Guide The hiring landscape across Asia Hiring outlook in

More information

Connecting You With More Than 90 Years of Experience. Dealer Financial Services

Connecting You With More Than 90 Years of Experience. Dealer Financial Services Connecting You With More Than 90 Years of Experience Dealer Financial Services Road-tested expertise and lasting relationships With more than 90 years of service to U.S. dealers, Bank of America Merrill

More information

Self-Direct Brokerage

Self-Direct Brokerage Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement

More information

HELPING YOU GET ON WITH BUSINESS

HELPING YOU GET ON WITH BUSINESS HELPING YOU GET ON WITH BUSINESS We feel like Flex HR is a division of our company. They free us up to do what we do best Wendy Heath, Owner, Heath Construction HELPING YOU GET ON WITH BUSINESS A message

More information

Success by Plan Design. Improving 401(k) plan health and employee wellness

Success by Plan Design. Improving 401(k) plan health and employee wellness Success by Plan Design Improving 401(k) plan health and employee wellness For most employees, their 401(k) plan will be the sole source of retirement funding. In this paper, Bank of America Merrill Lynch

More information

Workplace Wellness: An Employer s Guide to Promoting Wellness at the Workplace

Workplace Wellness: An Employer s Guide to Promoting Wellness at the Workplace Workplace Wellness: An Employer s Guide to Promoting Wellness at the Workplace Wellness issues important to you brought to you by the insurance specialists at JRG Advisors, LLC. There are many different

More information

white paper true value: getting salary and benefits right managing your employee expectations

white paper true value: getting salary and benefits right managing your employee expectations white paper true value: getting salary and benefits right managing your employee expectations Commentary Companies entered 2010 in a cautious mood. After a challenging 18 months, most commentators predicted

More information

COVER LETTERS. A Tool to Generate Interviews. General Guidelines

COVER LETTERS. A Tool to Generate Interviews. General Guidelines COVER LETTERS A Tool to Generate Interviews A cover letter is a marketing document that is just as important as a resume. The purpose of the cover letter is to build interest for your resume and to generate

More information

IT TALENT MANAGEMENT FOR MID-MARKET COMPANIES

IT TALENT MANAGEMENT FOR MID-MARKET COMPANIES IT TALENT MANAGEMENT FOR MID-MARKET COMPANIES FOR IT DEPARTMENTS, CONNECTING WITH TOP TALENT IS CRITICAL In the rapidly evolving world of business, hiring and maintaining a competent IT department is essential

More information

CashPro Online Getting Started Guide. Supply Chain for Sellers

CashPro Online Getting Started Guide. Supply Chain for Sellers CashPro Online Getting Started Guide Supply Chain for Sellers Table of Contents Introduction...3 Managing Invoices and Requesting Discounting...3 Viewing Invoices and Credit Memos...6 Working with Supply

More information

LIFE HACKS TO EMPOWER YOUR SMALL BUSINESS

LIFE HACKS TO EMPOWER YOUR SMALL BUSINESS LIFE HACKS TO EMPOWER YOUR SMALL BUSINESS Find Your Company s It Factor What is Zane Benefits? Zane Benefits is the leader in individual health insurance reimbursement for small businesses. Since 2006,

More information

Bank of America Merrill Lynch McDonald s Franchise Loan Application

Bank of America Merrill Lynch McDonald s Franchise Loan Application Bank of America Merrill Lynch McDonald s Franchise Loan Application Bank of America Merrill Lynch McDonald s Franchise Loan Checklist We ve designed this package to make applying for a loan as fast and

More information

401(k) Wellness Scorecard For quarter ending June 30, 2014

401(k) Wellness Scorecard For quarter ending June 30, 2014 RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights 401(k) Wellness Scorecard For quarter ending June 30, 2014 At Bank of America Merrill Lynch, we continue to see positive trends in participant behavior

More information

5 Ways to Improve Talent Acquisition with HR Data Integration

5 Ways to Improve Talent Acquisition with HR Data Integration A PeopleFluent White Paper 5 Ways to Improve Talent Acquisition with HR Data Integration In the struggle to acquire, develop, and manage the right talent, your success depends more and more on the ability

More information

Early Lessons learned from strong revenue cycle performers

Early Lessons learned from strong revenue cycle performers Healthcare Informatics June 2012 Accountable Care Organizations Early Lessons learned from strong revenue cycle performers Healthcare Informatics Accountable Care Organizations Early Lessons learned from

More information

Organizing your financial life

Organizing your financial life Organizing your financial life Critical information at your fingertips Date Your Name Financial Advisor / Team Name Financial Advisor / Team Phone Number Financial Advisor / Team Email Financial Advisor

More information

Understanding your cash sweep options

Understanding your cash sweep options M914471105 Understanding your cash sweep options The following information is being provided so that you can review your cash sweep option(s) with your Merrill Lynch financial advisor ( financial advisor

More information

ONBOARDING: EARLY ENGAGEMENT THROUGH RECOGNITION

ONBOARDING: EARLY ENGAGEMENT THROUGH RECOGNITION O.C. Tanner Company White Paper ONBOARDING: EARLY ENGAGEMENT THROUGH RECOGNITION Why Today s Best Companies are Using Recognition to Foster New Hire Engagement and Lower Turnover In today s competitive

More information

Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option

Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option M015471210 Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option To meet the changing needs of our clients, we ll soon

More information

Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ( MLPF&S ) and other affiliates of Bank of America Corporation ( BAC

More information

Start your own Recruitment Agency... Earn a substantial income that grows year-onyear... No previous experience required...

Start your own Recruitment Agency... Earn a substantial income that grows year-onyear... No previous experience required... Start your own Recruitment Agency... Earn a substantial income that grows year-onyear... No previous experience required... Keep 100% of the Profit Status Healthcare Recruitment has been up and running

More information

Peace of mind your employees can take to the bank

Peace of mind your employees can take to the bank Peace of mind your employees can take to the bank Retirement Bank Account Retirement & Benefit Plan Services Thinking about making some investment changes to your retirement plan? A retirement choice your

More information

A different kind of relationship.

A different kind of relationship. Discover the difference with a Registered Investment Advisor. A different kind of relationship. Independent registered investment advisors provide a variety of services to their clients. This is a series

More information

HOW TO. to Executives. You know that marketing automation is the greatest thing since sliced bread. After all, what else can help you...

HOW TO. to Executives. You know that marketing automation is the greatest thing since sliced bread. After all, what else can help you... HOW TO Sell Marketing to Executives Automation You know that marketing automation is the greatest thing since sliced bread. After all, what else can help you... 1 making inroads with the corner office

More information